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Across 4. Step 1-_____ your lender immediately by phone 5. Step 3-Make sure you take careful notes including the date and time of your call, the name of the _____ service representative you spoke with, and details of your agreement 6. Before you make a big purchase, make sure you can _____ the payments 8. Step 2-See if a partial payment or _____ only payment can be worked out. 9. Step 4-To ensure that your agreement is in writing, follow up with a _____ to verify your conversation. Send certified mail for proof of delivery

Down 1. Step 5-Finally, and most importantly, make _______ adjustments so that you will be able to catch up on your payments quickly 2. _____ bills as soon as they arrive 3. Keep a _____ with due dates 7. Consequences of not paying your bills on time include _____ fees, interest, and lowering your credit score